In today's unpredictable world, preparing for unexpected health challenges or emergencies isn't just prudent—it's essential. One of the most critical legal documents that every adult should have is a Power of Attorney (POA). This comprehensive guide explains what a Power of Attorney is, why it matters, and how to set one up before you need it.

In this episode of Your Retirement Planning Simplified, Joe and Lindsay break down the 7 pillars of holistic retirement planning—covering not just financial strategies, but also health, housing, lifestyle, social connection, legacy, and emotional wellbeing. Learn how to build a retirement plan that helps you thrive, stay active, and live with purpose beyond just the numbers. This practical guide is ideal for Canadians approaching or already in retirement.

Joe welcomes Dr. Deborah Heiser, an applied developmental psychologist and expert on midlife, aging, and mentorship. They explore how retirees can reframe aging as an opportunity for growth, the importance of generativity, and how mentoring others can bring deeper fulfillment in retirement. This insightful conversation highlights practical ways to stay socially connected, physically active, and emotionally engaged in retirement.

Joe interviews aging expert Dr. Corinne Auman to explore how retirement and aging are evolving in today’s world. They discuss overcoming ageism, finding purpose after leaving the workforce, and planning for both financial and emotional aspects of retirement. You will gain insights on caregiving, age-inclusive workplaces, and strategies for aging well with intention.

Joe chats with guest Esther Avant, a health industry expert, who emphasizes the critical role of prioritizing health for a fulfilling retirement. Esther highlights actionable strategies to kickstart a healthy lifestyle, regardless of where someone stands in their health journey. The episode explores the misconceptions about aging and health, practical steps for incorporating physical activity and wellness routines, and the importance of nutrition and sleep. This conversation underscores how consistent, small efforts contribute significantly to long-term well-being.

Joe welcomes Amy Friesen, senior living expert. They highlight the challenges and solutions for aging individuals and their families. They examine various aspects of elder care, including planning for home modifications, navigating retirement homes, and understanding long-term care options. They emphasize the importance of planning, open family communication, and understanding the real costs involved in care options. Amy also provides insights into caregiver burnout and the importance of balancing life commitments with caregiving responsibilities

This guide provides essential information on why seniors are vulnerable to financial exploitation, common scam techniques, and practical fraud prevention strategies to keep your finances and personal information secure.

John Hankins, a financial therapist, joins host Joe Curry to explain the intersection of emotional well-being and financial planning. They explore how financial therapy can help individuals and couples navigate anxiety and issues related to money, particularly when transitioning to retirement. The conversation forms a bridge between understanding one's relationship with money and making informed, value-driven financial decisions in one's later years.

Joe sits down with Roger Whitney, the Retirement Answer Man, to discuss agile retirement planning, financial confidence, and redefining retirement beyond just money. Roger shares insights on why retirement is not a math problem, how to invest in your life and passions, and the importance of social engagement and community in retirement.

You'll learn how to optimize your withdrawal order, take advantage of tax credits for retirees, and avoid costly errors that could increase your tax bill. Whether you're approaching retirement or already retired, this episode will help you create a tax-efficient retirement income plan that keeps more money in your pocket.

Ever wonder how retirement income is taxed in Canada? We look at tax brackets, RRSPs, RRIFs, TFSAs, CPP, OAS, and pension income is crucial for optimizing your retirement tax strategy. They explain marginal vs. average tax rates, the impact of dividends and capital gains, and how to minimize OAS clawbacks. Tune in to learn how to reduce your lifetime tax bill and keep more of your savings working for you.

Joe speaks with journalist and economist Chris Farrell to challenge traditional retirement thinking. They examine working in retirement, the purpose and paycheque balance, and why staying engaged later in life is about more than just financial security. Chris shares insights from his books, including how entrepreneurship after 50 is thriving, how employers are adapting to an aging workforce, and the myths about retirement and happiness.

Lately, tariffs have been dominating the headlines again, and with them come the usual investor concerns: What will this mean for my portfolio? Should we be making adjustments?

It’s completely natural to feel that way. The urge to do something when faced with uncertainty is strong—whether it’s adjusting a portfolio, moving to cash, or jumping into whatever investment feels like the “right move” at the time. But time and again, history has shown us that reacting to news rarely leads to better results.

We dive into the essential topic of pension types for Canadian employees, covering defined benefit pensions, defined contribution pensions, and group RRSPs. We explain how each works, their pros and cons, and how they fit into a comprehensive retirement income plan. Whether you're planning for retirement or optimizing your benefits, this episode provides valuable insights to help you navigate your pension options in Canada.

Tax planning is an essential aspect of financial management, especially for high-income earners in Canada. Ontario residents face some of the highest combined federal and provincial tax rates in the country, making strategic tax planning crucial for maximizing take-home income. This guide explores effective and legal strategies to optimize your finances while remaining compliant with Canada Revenue Agency (CRA) regulations.

We unpack the power of Tax-Free Savings Accounts (TFSAs) as a game-changing tool for retirement income planning. Discover how TFSAs provide tax-free growth, flexible withdrawal management, and significant estate planning benefits. Learn why integrating TFSAs with RRIFs, CPP, OAS, and other income sources can minimize taxes, avoid OAS clawbacks, and optimize your retirement strategy. Tune in for actionable insights and real-life examples to maximize your TFSA and achieve tax-efficient retirement income!

Discover essential retirement planning updates for 2025! Joe and Lindsay break down new RRSP and TFSA contribution limits, updates to CPP and OAS benefits, inflation adjustments, key tax changes, and capital gains rules. Learn how to maximize your retirement savings, minimize taxes, and stay invested for long-term success. With practical tips on budgeting, income planning, and key deadlines like the RRSP contribution deadline and tax filing date, this episode is packed with actionable advice to help Canadians optimize planning for retirement.

Joe and Lindsay answer the most common questions about the Canada Pension Plan (CPP). They explain what CPP is, who qualifies, how to apply, and how to estimate your benefits. You’ll learn about the maximum and average payouts, survivor benefits, tax implications, and whether to take CPP early, at 65, or delay to age 70. With insights on integrating CPP into retirement income planning, this episode is a must-listen for Canadians preparing for a secure and comfortable retirement.

We discuss planning for cognitive decline in retirement and how early financial preparation can protect you and your loved ones. We cover the importance of trusted contacts, power of attorney, estate planning, and financial consolidation to minimize risk and simplify asset management. We also touch on common scams targeting seniors, how to prevent financial fraud, and why working with a trusted financial advisor can ensure long-term security.